重庆中小企业融资渠道研究.docVIP

目 录 摘要TOC \o 1-3 \h \u 21281 1 关键词 17726 1 17726 一、中小企业融资理论 2 1561 1、权衡理论 2 23907 2、新融资优序理论 3 11168 3、企业金融成长周期理论 4 8077 二、中小企业融资存在问题 5 22287 1、融资风险大，度量风险非常必要 5 10523 2、中小企业主要融资渠道窄 6 29169 3、中小企业融资缺口大，原因多样 7 8308 三、中小企业融资困难的解决途径 8 26632 1、改善外部融资环境 8 3425 2、加强企业内部管理，企业征信制度 9 2250 3、完善投融资体系 9 29989 四、总结 9 参考文献 22287 10 第 PAGE 1 第 PAGE 1 页 （共 10 页） 重庆中小企业融资渠道研究 摘要：目前中小企业仍然面临融资难的困境，融资的主要渠道还是局限于传统的商业银行，即使从商业银行贷款也面临着一系列问题。造成其融资难的原因既包括企业自身信用不佳，抵押品少等原因，又与目前中国整个资本市场的缺陷结构有关。针对以上原因本文提出了一些相对应的建议：一是加强管理，提高中小企业自身素质；二是加快金融体制改革，改善服务水平；三是政府要加快宏观调控，完善金融扶持、服务体系。自十八大以来，国家实行简政放权，朝着服务型政府的目标转变。降低了创办企业的门槛，证监会也在逐步推行上市公司从审批制向注册制转变。未来中小企业上市的机会也大大增强。这些措施，势必会对未来中小企业的创办以及融资方面提供更为便利的渠道。相信在政府政策的引导下，金融机构的配合下，中下企业自身的努力下，中小企业的融资难势必会逐步解决。 关键词：中小企业 融资 问题 解决途径 Abstract:Financing problems of small and medium-sized enterprises are still facing difficulties at present, the main channel of financing is limited to the traditional commercial bank, which is also facing a series of problems. The causes of financing difficulties include both small and medium-sized enterprises’own poor credit, less collateral, and the defect of Chinas entire capital market structure. For these reasons,there are some corresponding suggestions:firstly , government should strengthen management to improve the small and medium-sized enterprise own quality; Secondly, we should accelerate the reform of our country’s financial system to improve the service level; Thirdly , the government has to speed up the macroeconomic regulation and control to improve the financial support and service system. Since the eighteenth conference, government has been trying to go toward the goal of service-oriented government,Lowered the threshold of starting a business, and the CSRC has been gradually trying to shift from the system of listed company to the registration system .So it is more likely than before that Small and medium enterprises can come into the market to get enough capit